Zero complexity. Zero headaches. Just one API that empowers you to give credit where credit is due.
Deliver the right products and underwrite with precision to expand loyalty and engagement with appropriately priced products based on risk.
Inclusive, accurate, validated credit data fuels growth, reduces risk, and enables consumers to access affordable credit.
With unmatched processes, you get cleaner, more accurate data— helping customers build better profiles, lenders approve more borrowers, and everyone reach better outcomes.
Our infrastructure is designed to work seamlessly with yours, making integration possible in weeks—not months.
Bloom manages bureau credentialing, compliance, and uptime so you can avoid the headaches of direct bureau management.
Access curated, multi-bureau data—including FICO and Vantage, bureau credit scores, and open tradelines—so you can build, launch, and scale on top of one reliable infrastructure.
Seamlessly integrate with Bloom’s Furnishment and Bloom+ data flows so you can both report and retrieve the most accurate credit data to close the credit-building loop—without the added technical complexity.
Our attribute engine defines and delivers the precise credit attributes you need for faster, more accurate reporting and retrieval so you can close the loop on credit decisioning.
Our optional data enrichment and filtering add contextual layers—like identity matches and trended data filters—to reduce false positives and tailor offers with precision. You choose what attributes to pull and how to rank results.
Enjoy low-lift integration in under 30 days with existing credit decision engines or onboarding flows. We’ll handle bureau credentialing, compliance, and uptime.
Always-on access to full bureau data transforms the way you launch products—from prequal offers to deposit-based lending and card personalization. Build smarter. Move faster. Do more with less.
